Frequently Asked Questions
Everything you need to know about FinlyFetch. Can't find what you're looking for? Email us.
Getting Started
What is FinlyFetch?
FinlyFetch is STR financial operations middleware. We bridge the gap between your property management system, your bank, and your accountant. Receipts get classified, bank transactions get reconciled, and your CPA gets a clean P&L — automatically.
Is FinlyFetch an accounting firm or tax advisor?
No. FinlyFetch organizes your financial data and generates accountant-ready exports. We never give tax advice, recommend deductions, or file taxes on your behalf without your explicit approval. Always consult a qualified CPA for tax decisions.
What PMS platforms do you work with?
At launch, FinlyFetch integrates with PriceLabs and Hostaway. We're building bridges to Guesty, OwnerRez, Track, and Lodgify. FinlyFetch is PMS-agnostic — we bridge with your PMS, we don't replace it.
Do I need to be on Airbnb to use FinlyFetch?
No. FinlyFetch works with any booking channel — Airbnb, Vrbo, Booking.com, or direct bookings. Revenue data comes through your PMS integration, not directly from Airbnb.
How It Works
What does "set it and forget it" actually mean?
After initial setup (connecting your bank, PMS, and setting your preferences), FinlyFetch runs automatically. Receipts auto-classify, bank transactions auto-reconcile, and Finley only texts you when he needs a decision. The dashboard exists for deep dives, not daily use.
Who is Finley?
Finley is our goldendoodle mascot and your CFO (Chief Fetch Officer). He's the voice behind every SMS. He fetches your receipts, classifies your expenses, and texts you when something needs attention. He's warm, brief, and never corporate.
How does the SMS interface work?
Finley texts you when he needs a decision. "Home Depot $247 — repair or improvement? Reply R or C." You reply with one letter. Done. Every answer trains the classifier so Finley learns your preferences and asks less over time.
How does receipt classification work?
Forward receipts to your unique FinlyFetch email address, or text a photo to Finley. Google Document AI extracts the data, Claude AI classifies it to your STR chart of accounts with a confidence score. High-confidence matches auto-classify. Low-confidence items go to your review queue.
What if Finley classifies something wrong?
Correct it with a single text reply. Every correction trains the classifier for your specific properties. Home Depot = Repairs at Hickory Hideout. Amazon under $100 = Guest Supplies. Finley never asks the same question twice.
Financial & Tax
What chart of accounts does FinlyFetch use?
An STR-specific chart of accounts mapped to IRS Schedule E lines. Seeded from real Superhost data, covering rental income by channel, repairs & maintenance by type, utilities, insurance, management fees, supplies, and more. You can customize it for your operation.
How does bank reconciliation work?
FinlyFetch connects to your bank via Plaid, syncs transactions daily, and matches them against receipts and revenue data using a confidence-scored algorithm. High-confidence matches auto-reconcile. Uncertain matches go to your review queue for one-tap approval.
Does FinlyFetch handle 1099s for my cleaners?
Yes. FinlyFetch tracks contractor payments, collects W-9s via TaxBandits, and prepares 1099-NEC forms at year end. You review and approve every filing before anything goes to the IRS. We never file autonomously.
What about my cleaner's quarterly taxes?
If your contractor opts in, FinlyFetch calculates estimated quarterly taxes based on their platform earnings and facilitates EFTPS payments. The contractor approves every payment by text — we never auto-deduct. This is a convenience feature, not tax advice.
Can I export to QuickBooks or TurboTax?
Yes. FinlyFetch exports QuickBooks-compatible CSV, PDF P&L statements, and Schedule E summaries formatted for TurboTax. Your CPA gets data in the format they actually want.
Does FinlyFetch handle sales tax?
For direct bookings, FinlyFetch integrates with Stripe Tax for collection. For platform bookings (Airbnb, Vrbo), the platform typically collects and remits. Sales tax registration is out of scope — we recommend CorpNet or your CPA for that.
Security & Privacy
How is my financial data protected?
Sensitive data (TINs, API keys, tokens) is encrypted using Supabase Vault (pgsodium) and never stored in plain text. Every database table has row-level security with organization isolation. All connections use TLS. We never see or store credit card numbers — Stripe handles that.
Can other users see my data?
No. FinlyFetch is multi-tenant with strict organization isolation. Your data is scoped to your organization at the database level via row-level security policies. Organization ID is derived from your verified authentication token, never from client input.
What happens if I cancel?
You can export all your data in standard formats (CSV, PDF) at any time. Financial records are retained for 7 years per IRS requirements unless you request deletion. Account data is deleted upon request, subject to legal retention obligations.
Pricing & Plans
How much does FinlyFetch cost?
Solo (1-3 properties): $49/mo. Pro (4-10 properties): $99/mo. Portfolio (10+): $199/mo. Annual plan available at $299/year for Solo. All plans include AI classification, SMS interface, bank reconciliation, and accountant exports.
Is there a free trial?
We're finalizing trial details before launch. Join the waitlist for early access and launch pricing.
I'm a CPA. What about HostClear?
HostClear is free for up to 5 STR clients. See your clients' categorized financials, AI-generated year-end summaries, and export clean data. Professional tier ($99/mo, up to 25 clients) and Enterprise ($299/mo, unlimited + white label) are available. Visit hostclear.io for details.